FindResources

Library

resource
Categories: General Resources
Policy Brief | | 2014

Mobilizing Californians in Support of Financial Security for All

The following state and local policy and practice recommendations are informed by the nearly 1,000 women and men who participated in community conversations hosted by Californians for Prosperity. Californians reflecting our state’s great diversity expressed their concerns with and ideas for creating financial security for themselves and their families. These recommendations are rooted in the...

| More >
resource
Categories: Asset Preservation
Policy Brief | | 2013

Policy Brief: Access To Health Insurance

Health insurance is one way to protect a family’s assets. It mitigates the cost to a family for expenses resulting from a medical emergency or the treatment of a chronic illness – expenses that might otherwise require a family to spend long-term savings, sell assets or go into debt. Health insurance, including dental coverage, also encourages people to seek preventive care and treatment,...

| More >
resource

Policy Brief: Access to Quality K-12 Education

Education is a personal asset that benefits not only the individual, but also his or her family and community. Skills and knowledge are central determinants of earning capacity, but also important drivers of the economy. Education promotes civic responsibility, perpetuates a thoughtful populace and expands economic opportunity. Yet, despite decades of education reform, children continue to...

| More >
resource

Policy Brief: College Savings Incentives

Postsecondary education is one of the best investments an individual can make in his or her economic future. A college degree means higher earning potential – up to 75% higher1 – and can be a stepping-stone to building wealth and achieving economic security. College graduates are, for example, more likely to have jobs that provide health insurance and offer retirement plans.2 Yet escalating...

| More >
resource

Policy Brief: Financial Education In Schools

Financial capability – the ability to make effective decisions about the use and management of money – can be as important a determinant of an individual’s long-term financial security as his or her income, health or level of education. From understanding the meaning of one’s credit score to possessing the necessary skills to balance a checkbook, financial capability is essential to a family’s...

| More >
resource

Policy Brief: First-Time Homebuyer Assistance

Even in today’s challenging housing market, a home remains the primary asset for many American households. It is an integral part of the American dream and provides both physical and financial security. “Although still below its 2006 peak, home equity is showing signs of recovery,1 and housing remains the largest source of equity for families.”2 For lower-income and minority families, who have...

| More >
resource

Policy Brief: Foreclosure Prevention And Protections

Foreclosure threatens financial security and is a devastating experience for a household’s finances. As of November 2011, 2.7 million homeowners have been foreclosed upon, and another 3.6 million are at imminent risk of foreclosure.2 With millions of homeowners still at risk of losing their homes, evidence suggests the foreclosure crisis will continue for several years to come.3 Unfortunately,...

| More >
resource
Categories: General Resources
Policy Brief | | 2013

Policy Brief: Job Quality Standards

Wage employment is the primary source of income for families in this country. Unfortunately, an estimated 30 million Americans hold low-wage jobs,1 4.4 million of which pay minimum wage or less.2 Workers in these jobs not only struggle to meet day-to-day expenses, but also to save for the future. A full-time minimum wage worker earns $15,080 per year – a stunning $7,970 below the federal...

| More >
resource
Categories: General Resources
Policy Brief | | 2013

Policy Brief: Lifting Asset Limits In Public Benefit Programs

Many public benefit programs – such as cash welfare and Medicaid – limit eligibility to those with few or no assets. If individuals or families have assets exceeding the state’s limit, they must “spend down” longer-term savings in order to receive what is often short-term public assistance. These asset limits, which were originally created to ensure that public resources did not go to...

| More >
resource

Policy Brief: State Microenterprise Support

Small business ownership has consistently been a path to America’s middle class – particularly for minorities, immigrants and the economically disadvantaged. Business equity is second only to homeownership as a share of household wealth nationally. Very small businesses, or microenterprises,1 represent more than 80% of all businesses in the United States, and are a key job creation strategy in...

| More >
resource
Policy Brief | | 2013

Policy Brief: Protections From Pedatory Short-term loans

Predatory lending strips wealth from financially vulnerable families and leaves them with fewer resources to devote to building assets and climbing the economic ladder. Predatory lending spans a range of industries and products – from the housing and automobile industry to credit cards and student loan products. Predatory short-term loans are the subset of small dollar credit products that...

| More >
resource
Categories: General Resources
Policy Brief | | 2013

Policy Brief: State IDA Program Support

One in five Americans has zero or negative net worth. Twenty-seven percent have so few assets that they could not stay above the poverty level for three months if their income were interrupted.2 Government policy decisions influence these outcomes. Through tax and spending decisions, government can create incentives for people to save and build assets. For example, the federal government spent...

| More >
resource
Categories: General Resources
Policy Brief | | 2013

Policy Brief: Tax Credits For Working Families

In 2010, 15.1% of American households – more than 46 million people – lived below the federal poverty threshold ($22,314 for a family of four).1 Although a majority of poor families include working adults, the low wages poor adults earn make it difficult to afford basic necessities such as a food and child care, let alone save for future expenses. To augment low wages, federal and state...

| More >
resource
Categories: Asset Preservation
Policy Brief | Center for American Progress | 2013

A Comprehensive Analysis of the Student-Loan Interest-Rate Changes that Are Being Considered by Congress

The federal student-loan programs should operate in a manner that consistently puts students first and rewards individuals for enrolling in and completing college. It is a national economic imperative that we have more college graduates in our workforce. But interest on student-loan debt can stand in the way of some students deciding to enroll, while it may cause others to drop out. Keeping...

| More >

Filter by category:

Category